WHY TELEMUS AT TELEMUS, WE HAVE A DIFFERENT PERSPECTIVE ON YOUR FINANCIAL LIFE.

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3 WHY TELEMUS AT TELEMUS, WE HAVE A DIFFERENT PERSPECTIVE ON YOUR FINANCIAL LIFE. When you pull up a chair to the Telemus Roundtable, you gain access to the most compelling conversations and inspired solutions for your financial future. We offer you a brand new, more holistic outlook far beyond just investment management which we know will serve as the inspiration for a more enriched life. Telemus was created with the belief that our members deserve independent advice and a more disciplined and individualized approach than what is available from traditional financial services firms. During a deep and thoughtful exploration process with a unique team of experts, we help you define what financial and personal achievement means to you and your family. Telemus is a place where financial security is just the starting point. By igniting a partnership with Telemus we will help you attain personal enrichment, your grandest visions, and your life s most important goals.

4 OUR QUEST SOME STRIVE TO MAKE THEMSELVES GREAT. OTHERS HELP OTHERS SEE AND FIND THEIR OWN GREATNESS. IT S THE LATTER WHO REALLY ENRICH THE WORLD WE LIVE IN. - RASHEED OGUNLARU, LIFE COACH We aim to enrich the lives of our members, employees and communities. We are trusted advisors who provide customized, objective and sophisticated financial life advice.

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6 THE TELEMUS WAY: OUR APPROACH Our approach begins and ends with the most important aspect of a member/advisory relationship: Partnership. At Telemus, we all sit at a Roundtable, which means your voice is always heard. We always strive to build and maintain a strong and equal partnership that ultimately leads to achieving your life goals. YOU

7 WHY FINANCIAL LIFE MANAGEMENT? Financial Life Management embodies how your entire life works with your current and future financial resources. We examine all financial touch points in your life in order to more successfully design a solution to help you reach your personalized goals. What we have learned throughout our rich history in the industry is that by integrating all areas of your financial life at the very beginning of our engagement, we are better able to help you plan for and reach your goals throughout your entire life, not just one portion of your life. We believe that working with you to mutually gain a deeper understanding of your entire financial life allows us to not only help you protect your wealth, but also to enrich you and your family s lives.

8 WHY FINANCIAL LIFE MANAGEMENT? Financial Life Management is about so much more than just investment strategies. YOUR FINANCIAL LIFE NEEDS WEALTH ADVISORY INVESTMENT MANAGEMENT INTEGRATED INSURANCE BUSINESS & PERSONAL MANAGEMENT YOUR FINANCIAL LIFE PLAN

9 THE TELEMUS WAY: OUR PROCESS Define and understand your needs, goals, dreams and aspirations Develop a comprehensive Financial Life Plan Select and implement strategies and solutions that fit your Financial Life Plan Manage and adjust your Financial Life Plan as needed

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11 WEALTH ADVISORY: OUR PHILOSOPHY IF YOU DON T KNOW WHERE YOU ARE GOING, YOU ARE CERTAIN TO END UP SOMEWHERE ELSE. - YOGI BERRA Our experience has taught us that a well defined strategy, when followed by a well executed implementation plan, is a critical determinate for success in your financial life. Together, we will formulate a Financial Life Plan that will help to protect and support solutions to ensure that there are sufficient resources to meet your life goals. As we take this journey together, we will update and adjust your Financial Life Plan as needed based upon the ever changing resources and life events that will inevitably shape your future.

12 WEALTH ADVISORY: OUR STRATEGIC APPROACH Our first step is to get to know you so we can help you clarify your current financial situation. What are your life goals and priorities? Do you have any financial milestones? If so, what are they? Where are you in your career/life? What is your net worth? What are your existing financial demands and needs? We then model and build a Financial Life Plan based on the information you provide that shapes and prioritizes your financial life goals and objectives providing a road map to an enriched future. Finally, together we continuously track your Financial Life Plan and make modifications as necessary.

13 WEALTH ADVISORY: SUMMARY Financial Life Plan Development Includes data gathering, simulation modeling, analysis, implementation, and monitoring Social Security planning Philanthropic planning Integrated Tax Sensitive Wealth Maximization Strategies Includes transaction impact plan modeling, coordination of tax planning and preparation with accountants Personal and business financing advice Wealth Transfer and Estate Planning Coordination Includes facilitation of legal document execution with attorney(s) Business Planning and Liquidity Solutions Integrated employee benefit planning Retirement plan design solutions and integration Business succession planning

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15 INVESTMENT MANAGEMENT: OUR PHILOSOPHY SUCCESSFUL INVESTING PROFESSIONALS ARE DISCIPLINED AND CONSISTENT AND THEY THINK A GREAT DEAL ABOUT WHAT THEY DO AND HOW THEY DO IT. - BENJAMIN GRAHAM The Telemus investment philosophy is deeply rooted in the belief that a member s investment portfolio should be constructed in accordance with an overall Financial Life Plan and designed to meet their long-term goals and objectives. We employ a goals-based, risk-aware approach to managing our members investments that is ultimately driven by each individual Financial Life Plan. Central to this approach is our belief that reducing portfolio volatility mitigates the anxiety that comes with market gyrations and causes members to deviate from their plans. We help you stick to your plan.

16 INVESTMENT MANAGEMENT: OUR STRATEGIC APPROACH Member portfolios are constructed using risk allocation together with traditional asset allocation. We use a model portfolio approach and customize the approach based on your individual Financial Life Plan. While traditional equity and fixed income investments represent the lion s share of our investments, we believe appropriate allocations to non-traditional and non-correlated investments help us to compound our members money over time with lower volatility. We are agnostic relative to geographic or capitalization-based investment allocations. Both passive and active investment strategies are employed depending on the market cycle as well as available and accessible investment manager talent. Portfolio liquidity is of great importance, but we understand that superior risk-adjusted returns require some level of illiquid investment.

17 INVESTMENT MANAGEMENT: SUMMARY Risk Allocated Model Portfolios Non-correlated Alternative Investments Proprietary Investment Strategies Unique Private Investments 3rd Party Investment Management Qualified Retirement Plan Advice and Management (including 401(k) Plans)

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19 INTEGRATED INSURANCE: OUR PHILOSOPHY WOULD YOU AGREE THAT THE ONLY PERSON WHO CAN TAKE CARE OF THE OLDER PERSON YOU WILL SOMEDAY BE IS THE YOUNGER PERSON YOU ARE NOW? - UNKNOWN AUTHOR By integrating insurance into your Financial Life Plan, Telemus effects more discipline, awareness, confidence and synchronization to your long-term financial well-being. Through our partnership with Fischman Insurance Group, we often provide more efficient and more appropriate coverages and structures. We are also able to identify and correct gaps to mitigate any potential vulnerability in your Financial Life Plan.

20 INTEGRATED INSURANCE: OUR STRATEGIC APPROACH Insurance needs vary based on where you are in your life. For example, a young professional who has just started his or her own business may be more focused on liability coverage while someone nearing retirement may be looking for wealth preserving insurance solutions. Our approach is to evaluate all of the various exposures and insurance objectives at each stage of your life as they correlate to your Financial Life Plan goals. We are then able to drive efficiencies should we uncover any gaps and/or redundancies.

21 INTEGRATED INSURANCE: SUMMARY Life Insurance Disability Insurance Health Insurance Homeowners and Automobile Insurance Personal Liability Umbrella Commercial Insurance Professional Liability Insurance

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23 BUSINESS AND PERSONAL MANAGEMENT: OUR PHILOSOPHY TIME IS WHAT WE WANT MOST, BUT WHAT WE USE WORST. WILLIAM PENN Financial Life Management means helping manage the complexities of your every day financial life, as well as planning and investing for your eventual future. At times we serve as a Family Office; at other times we support existing arrangements. As your financial life evolves and you experience major life events and milestones, Telemus continually provides partnership ideas and opportunities. At Telemus, we give you the confidence to make the best decisions regarding how to manage your financial life and how to enrich your entire life.

24 BUSINESS AND PERSONAL MANAGEMENT: OUR STRATEGIC APPROACH For those members who require it, we provide a variety of Business and Personal Management services utilizing our own in-house solutions or partnering with carefully selected external professional providers.

25 BUSINESS AND PERSONAL MANAGEMENT: SUMMARY BILL PAY PREPARATION Telemus takes a personal approach toward assisting you in paying your bills and financial obligations, especially when you spend so much time focused on your career and/or a substantial amount of time on the road. All bills and paperwork are forwarded to our offices. Bills are prepared for your review and signature. CASH PLANNING & BUDGETING Monthly, annual, and multiple-year cash flow charts and budgets are created that will enable you to visualize and define your financial goals, monitor living expenses, and establish wealth accumulation targets. Actual historical versus budgeted comparisons are also provided to assist you in evaluating your spending and investing activity so that wealth accumulation targets can be monitored and goals attained.

26 CONTINUED DIRECT DEPOSIT AND ACCOUNT AGGREGATION We have fostered long-standing banking arrangements for our membership with leading banks, which provide specialized services to professionals, athletes and entertainers. These services include assistance in obtaining loans and credit cards. BANKING Telemus works to facilitate the establishment of a direct deposit of your paychecks. FINANCIAL RECORDKEEPING All personal financial records that you provide including tax and bank statements, investment statements, insurance and other important documents are kept safely and securely. CONTRACT REVIEW Telemus helps you coordinate your needs for car leases, business interests and partnerships. CONCIERGE Telemus will provide access to concierge services, including but not limited to; travel arrangements, event tickets and other VIP services.

27 CONTINUED PERSONAL ASSISTANCE We aim to make your life easier. This includes, but is not limited to; securing in-season and off-season housing, the coordination of moving between in-season and off-season housing, assisting in the purchase or lease of a vehicle as well as coordinating the shipping of vehicles when needed. Telemus assists in the coordination of all the little details so that you can focus on your professional career. FAMILY ASSISTANCE We assist your family with referring the very best and most appropriate legal and banking related advice, including but not limited to; credit management, assisting with housing, securing loans, debt consolidation and addressing any manner of legal issues. CREDIT MANAGEMENT We will ensure that your credit score with all major credit rating agencies is monitored and maintained, including but not limited to; identifying and satisfying past debts, working with credit rating agencies to remove harmful items from your credit report and continual monitoring to ensure your score is as high as possible. This is a critical component to financial security and peace of mind.

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